Form 5500 · Employee benefit plan · PHILADELPHIA, PA
BOARD OF TRUSTEES OF PLUMBERS LU 690 HEALTH PLAN
The filing calls this plan PLUMBERS LOCAL UNION NO. 690 HEALTH PLAN.
BOARD OF TRUSTEES OF PLUMBERS LU 690 HEALTH PLAN of PHILADELPHIA, PA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WADE FINANCIAL, INC.. Coverage is written through GERBER LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1512313 · plan 501 · plan year 2024, filed Oct 15, 2025
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How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering dental and life; the largest, with GERBER LIFE INSURANCE COMPANY, covers 1,480 people.
The filing declares dental, life, health, vision and disability. Health, vision and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $1,494,690, with $21,788 in disclosed broker commissions — about 1.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
WADE FINANCIAL, INC. is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life | 885 | Jan 1, 2025 | $173,985 | $18,885 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 2,296 | Jan 1, 2025 | $598,828 | $2,903 |
| GERBER LIFE INSURANCE COMPANY | Life | 1,480 | Jan 1, 2025 | $644,856 | $0 |
| FIDELIO INSURANCE COMPANY | Dental | 150 | Jan 1, 2025 | $77,021 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 158580. For the contract year on this filing, the carrier reported $152,367 in premium earned and $57,590 in claims incurred. Dividing one by the other gives 38%.
- STANDARD INSURANCE COMPANY, contract 158580 reported $94,778 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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Renewal calendar
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